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HomeTarjetas de CréditoLa tarjeta de crédito perfecta no existe, aquí está por qué

La tarjeta de crédito perfecta no existe, aquí está por qué

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La maleable de crédito perfecta se ve diferente para todos. Para mí, tendría comunicación ilimitado de aeropuerto, recompensas de viajes del 5 por ciento en cada operación y un crédito de delirio anual de $ 300 próximo con algunas ventajas y beneficios adicionales para edulcorar el acuerdo. Ah, y sin tarifa anual. Cualquier práctico en tarjetas de crédito le diría que mi maleable perfecta es delirante. Pero una chica puede soñar, ¿verdad?

Entonces, ¿qué se interpone en el camino de mi (o!) La maleable de crédito perfecta se convierte en una existencia? A principios de mayo, asistí a CardCon, una conferencia para expertos en tarjetas de crédito y profesionales del mercado, y aprendí de varios expertos de la industria crediticia por qué no existe (y probablemente nunca lo hará), y qué puede hacer.

Los programas de recompensas de tarjetas de crédito a menudo son líderes de pérdidas

Al igual que el pollo asado de Costco de $ 5 que no ha cambiado su precio en 25 abrileslas tarjetas de crédito de recompensas pueden ser un líder de pérdidas para muchos emisores de tarjetas. Eso significa que esas recompensas atractivas llevan a las personas a la puerta e incluso provocan devoción, pero no es un fabricante de mosca para muchos emisores de tarjetas.

Durante un panel de CardCon sobre la construcción de un software de recompensas rentables, Suzan Chaffin, vicepresidente ejecutor de soluciones en Prestado, y Ryan Duitch, CEO de Arro, arrojan luz sobre cómo algunas compañías de tarjetas positivamente pierden mosca en personas que no llevan un saldo en sus tarjetas de recompensas.

Las compañías de tarjetas de crédito ganan mosca en las tarifas que cobran a los titulares de tarjetas, como tarifas anuales y tarifas de transferencia de saldo, cargos por intereses y tarifas de transacción o intercambio.

Intercambio (o tarifas de deslizamiento) son las tarifas necesarias para aceptar, autorizar y procesar su plazo cuando realice una operación. Son una fuente importante de ingresos para emisores de tarjetas con tarifas de deslizamiento en todas las tarjetas de crédito por un total de $ 148.5 mil millones en 2024.

See also  Cómo elegir una tarjeta de crédito de transferencia de saldo

Pero las tarjetas de recompensas pueden ingerir en los ingresos de la tarifa de intercambio. Esto se debe a que las compañías de tarjetas a menudo trabajan con terceros o socios para regir sus programas de retribución. A cambio de construir esas recompensas, los socios reciben los ingresos de intercambio del emisor de la maleable como plazo.

“Muchos programas de recompensas son en existencia líderes de pérdidas para muchas empresas. Para cualquiera que no lo sepa, le regalan todo su intercambio”, explica Duitch.

Como emisor, si está renunciando a los ingresos por la tarifa de intercambio, debe echarse en brazos más en otros medios, como los cargos por intereses, para originar ingresos. El problema, según Duitch, es que los usuarios de tarjetas prolíficas de recompensas a menudo no llevan saldos.

Mucha clan no paseo. Lo pagan. Regala todos sus ingresos en el intercambio, y muchas (compañías de tarjetas) pierden mucho mosca.

– Ryan Duitch
CEO de Arro

Cedido el consumición y la posible desatiendo de ingresos cuando se manejo de tarjetas de recompensas, los emisores tienen que caminar una crencha muy fina cuando se manejo de diseñar sus productos de tarjetas de crédito de recompensas.

Las compañías de tarjetas de crédito son cautelosas

Si su maleable de crédito ideal aún no se ha creado, es posible que esté esperando un tiempo. David Gold de Gold Peak Advisors trabajó anteriormente para American Express y Chase en roles ejecutivos senior durante más de 20 abriles, y tuvo una mano en el exposición de algunos de los principales programas de recompensas de tarjetas de crédito.

Durante su mandato, aprendió que el entorno de la banca corporativa con narración de aventura no siempre es el más propicio para la innovación.

Las grandes culturas corporativas como los bancos tienden a ser conservadoras y burocráticas. La burocracia y el conservadurismo tienden a sofocar la innovación.

– David Gold, fundador y socio administrador, Gold Peak Advisors

Gold explica que asimismo hay preocupaciones regulatorias para cumplir y no hay necesariamente disruptores en esta industria.

En puesto de entretener la rueda, los emisores de tarjetas pueden tenderse en torno a estructuras de recompensas probadas en puesto de hacerse cargo el aventura monetario de crear poco nuevo y verlo fracasar. Eso no significa que la innovación no ocurra en categórico en el espacio de la maleable de crédito, según Gold, es más incremental.

Un delicado acto de contrapeso

No sorprende que las compañías de tarjetas de crédito estén en él para ingresar mosca. Atraen a nuevos clientes con ventajas, recompensas y beneficios atractivos que sean comercializables; Sin secuestro, hay un enrevesado acto de contrapeso que ocurre detrás de cuadro. Precio, valencia, afiliación a la marca, tarifas, tasas de interés y asociaciones, todo se combina en este “clan de caudal” entre el emisor de la maleable y el titular de la maleable.

“Desde la perspectiva equitativo, una maleable perfecta encontraría el contrapeso correcto de todas esas piezas tanto para el emisor como para el consumidor”, explica Gold.

Si las escalas se inclinan demasiado a valenza del consumidor o el emisor, se producen consecuencias desfavorables.

“Si el emisor regala demasiado valencia para el cliente, van a devaluar (la maleable de crédito) y eso no es bueno para el cliente”, dice Gold. “Cuando el cliente no tiene suficiente valencia, no van a usar esa maleable. Van a obtener otra maleable”.

Es un patrón que es probable que haya notado en muchas tarjetas de crédito populares donde las recompensas caen repentinamente de valencia, la tarifa anual aumenta o ciertos beneficios y créditos de extracto se eliminan. De repente, lo que pudo tener sido una gran maleable pierde su atractivo.

Otro divisor son los titulares de tarjetas que explotan o gamifican los programas de recompensas. “Cualquier valencia adicional que pueda obtener desaparecerá si la clan lo encuentra y luego lo abusará. Entonces esas cosas nunca duran”, dice Gold.

Encontrar la maleable perfecta para ti

Si sus sueños de una maleable perfecta se parecen a la mía, la próxima visión de Gold puede ser decepcionante.

“Desde una perspectiva del consumidor, seguro que desea que su maleable tenga una moneda transferible para todos a una tasa de transferencia positivamente buena y una mengua tasa de interés y sin tarifa, ¿verdad? Pero eso no es práctico”, dice Gold.

Pero eso no significa que no pueda encontrar una maleable (o dos) que lo ayude a acercarse a ese ideal. Gold compartió algunas sugerencias para encontrar la (s) maleable (s) más adecuada para su estilo de vida:

  • Comprenda cuáles son sus prioridades. Elija el tipo de recompensas de maleable que tengan sentido para usted. ¿Preferiría obtener recompensas de delirio o reembolso en efectivo? ¿Necesitas simplicidad o eres más flexible?
  • Decide si quieres una maleable con una tarifa anual. Algunas de las mejores tarjetas de delirio del mercado tendrán una tarifa anual, pero puede no ser vale la pena para todos.
  • Evalúe cuánto podría ingresar de las ofertas de bienvenida. El valencia que podría obtener por precoz puede pasar cualquier tarifa anual en la maleable, al menos para el primer año. Ejecute los números para ver si todavía tiene sentido sustentar la maleable posteriormente del primer año.
  • Evite tarjetas demasiado complicadas. Sus recompensas solo son valiosas para usted si positivamente las usa. Si la redención o la transferencia de recompensas a los socios son demasiado complicados, podría no ser la maleable ideal para usted.

El resultado final

La definición de la maleable de crédito perfecta cambia en función del banda que se encuentra. Para una compañía de tarjetas de crédito, la maleable de crédito perfecta se parece a una rentable y no regala demasiado valencia al tiempo que tiene una relación saludable de titulares de tarjetas que llevan un saldo a aquellos que pagan su saldo completo cada mes, todos los cuales gastan en la maleable regularmente.

Para los consumidores, se manejo de qué recompensas, beneficios y valencia podemos obtener de la maleable. En última instancia, la maleable perfecta depende de lo que sea importante para usted.

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